@book{73193,
	author = {ebrary, Inc.},
	title = {Hidden costs, value lost},
	publisher = {National Academies Press,},
	year = {c2003.},
	series = {Insuring health},
	address = {Washington, D.C. :},
	url = {http://site.ebrary.com/lib/rucke/Doc?id=10046869}
}